James Mc Laughlin is a financial advisor with Empower Advisory Group, holding a Series 66 designation and four years of industry experience. He previously worked at T. Rowe Price and Cardinal Financial. Outside of finance, he is involved as an audio crew member for a CBS television station, assisting with microphone operations during sporting events. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, using an integrated model connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups chosen by plan sponsors.

Bradley Hall is a financial advisor with Schwab Wealth Advisory, holding Series 66 and Series 63 licenses and five years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2022 and joined Schwab Wealth Advisory in 2026. Prior to this, he held roles at Colorado Springs Powersports and Equity Colorado Real Estate. Schwab Wealth Advisory, Inc. offers non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, providing clients with annual financial reviews and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem, using standard asset allocation models and Schwab research tools, while leaving final trading decisions to clients.

Matthew Beauregard is a financial advisor with Schwab Wealth Advisory, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2011, including roles with Schwab Private Client Investment Advisory, Inc. and Schwab Wealth Advisory Inc. since 2015. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients in the Schwab Wealth Advisory program, offering financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem, focusing on client-directed investment decisions and annual account reviews.

Justin Branch is a financial advisor with Hightower Advisors in Denver, CO, holding Series 65 and Series 63 registrations and possessing 11 years of industry experience. He has worked at Hightower Advisors since 2026 and previously spent nine years with TIAA-CREF and TIAA. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a multi-manager approach that includes affiliated and third-party managers. The firm offers discretionary and non-discretionary portfolio management, retirement plan consulting, and access to pooled vehicles and private funds.

Chad Mcdonnell is a CFP® professional with 27 years of industry experience, currently working at Corient in Denver, CO. His prior experience includes roles at Segall Bryant & Hamill, ALPS Distributors, Inc., and Denver Investment Advisors, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, and charitable organizations. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party manager solutions and utilizes risk management tools and stress testing to align portfolios with client objectives.

Steven Lindeman is a financial advisor with Principal Financial Services based in Denver, CO. He holds the Series 66 designation and has one year of industry experience, having previously worked sixteen years in the oil and gas sector with Ovintiv Oil & Gas. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

David Findlow is a Certified Financial Planner (CFP®) with 35 years of industry experience. He has worked at Independent Financial Partners since 2021 and previously spent 13 years with Charles Schwab and Charles Schwab Bank. Independent Financial Partners offers investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with notable expertise in retirement-plan advisory and pension consulting.

Myra Lawson is a financial advisor at Schwab Wealth Advisory with two years of industry experience. She holds the Series 66 designation and has worked at Charles Schwab and Keybank, among other firms. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations across various asset classes. The firm operates as an internal advisory unit within the Schwab ecosystem and delivers advice through standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Vito Desimone is a financial advisor with Empower Advisory Group in Greenwood Village, CO, holding Series 63 and Series 65 licenses and having 14 years of industry experience. He has been with GWFS Equities, INC since 2012. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and savings rates through a point-in-time financial planning approach.

Rebeca Melendez is a financial advisor at TIAA-CREF with 18 years of industry experience. She holds the Series 63 and Series 66 licenses and has worked at TIAA-CREF and TIAA since 2000, with a brief tenure at Transamerica Retirement Advisors. TIAA-CREF Individual & Institutional Services, LLC offers financial planning and managed account programs to individuals, trusts, estates, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm provides both point-in-time planning and ongoing discretionary management, including customized portfolios and model-based strategies.

Brandon Akers is a Certified Financial Planner (CFP®) with 14 years of industry experience. He currently works at Schwab Wealth Advisory and previously held positions at T. Rowe Price Investment Services and Confluence Financial Advisors. Outside of his advisory role, he manages several rental properties with his wife. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement and planning discussions, and investment recommendations based on Schwab’s research tools and asset allocation models. The firm operates as an internal advisory unit within the Schwab ecosystem and generally does not exercise discretionary trading authority.

Thomas Burrell is a CFP® professional at Schwab Wealth Advisory with nine years of industry experience. He has been with Charles Schwab and its affiliated entities since 2016. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset allocation models and Schwab research tools to recommend investments, conducting at least annual account reviews while clients retain final trading decisions.

Cary Chapman is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at CIBC Private Wealth Advisors, Inc. in Denver, CO. He has been with CIBC Private Wealth Management since 2005. CIBC Private Wealth Advisors delivers investment and wealth advisory services to a diverse client base, including high net worth individuals, families, trusts, employee benefit plans, corporations, and investment companies. The firm utilizes a structured investment process involving an internal team and committees to offer customized portfolios, combining proprietary and external strategies, and manages significant assets with fewer advisors compared to typical peers.

Justin Richards is a financial advisor with Schwab Wealth Advisory in Lone Tree, Colorado, holding Series 63 and Series 66 licenses and having 14 years of industry experience. He has been with Charles Schwab and its affiliated advisory entities since 2011. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews and investment recommendations based on Schwab’s asset allocation models and research tools. The firm operates as an internal advisory unit within the Schwab ecosystem and does not directly charge clients fees, differentiating its advisory approach from many enterprise wealth managers.

Stuart Henderson is a financial advisor at Empower Advisory Group with 11 years of industry experience. He holds the Series 65 and Series 63 licenses and has worked at multiple firms including GWFS Equities, Inc, Packerland Brokerage Services, United Advisors Corporation, and Alliance America Corporation. Outside of his advisory role, he serves on the board of directors for a dog training club affiliated with the Wisconsin Amateur Field Trial Club. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail clients. The firm emphasizes long-term portfolio returns and integrates its services with Empower’s recordkeeping and administrative platforms.

Matthew Vibert is a CFA® charterholder with nine years of industry experience. He is currently with Empower Advisory Group and has previously worked at Personal Capital and Janus Management Holdings Corp. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm integrates its services with affiliated Empower entities’ recordkeeping and administrative platforms and emphasizes long-term portfolio returns, annual rebalancing, and client savings rates in its planning approach.

Jordan Dechtman is a financial advisor at Hightower Advisors with 36 years of industry experience. He holds a Series 63 designation and previously worked at PURSHE KAPLAN STERLING INVESTMENTS, Inc., Dechtman Wealth Management, LLC, and Securities America Advisors, Inc. Outside of his advisory role, he is a part owner of Dtown Fitness, LLC, a fitness business based in Centennial, CO. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients, utilizing a manager selection approach with both affiliated and third-party managers. The firm’s services include discretionary portfolio management, financial planning, and retirement consulting, supported by proprietary research and a variety of investment options including mutual funds, ETFs, and alternative investments.

Michelle Sandt Wade is a CFP® with 22 years of industry experience. She is currently with Mercer Global Advisors Inc. and was previously with Transitions Wealth Management, LLC. Mercer Global Advisors provides investment advisory and related planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor tilts and strategic use of low-cost index vehicles.

John Everett is a financial advisor with Schwab Wealth Advisory and holds a Series 66 designation. He has 22 years of industry experience, including eight years at Charles Schwab and Schwab Wealth Advisory, and five years with Janus Management Holdings Corp and Janus Distributors LLC. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program. The firm utilizes Schwab’s standard asset allocation models and research tools to deliver investment recommendations, while clients retain final trading decisions.

Eric Labay is a CFP® professional with 28 years of industry experience, currently serving at Schwab Wealth Advisory. He has been with Charles Schwab and its affiliated entities since 1999. Labay also serves in the US Army Reserves, holding the rank of retired captain in the 88th Readiness Division. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations using Schwab’s proprietary asset allocation models and research tools. The firm operates as an internal advisory unit within Charles Schwab, focusing on client-directed investment decisions rather than discretionary management.